What Kind of Insurance Do Appliance Repair Businesses Need in Texas?
- Nate Jones
- 16 hours ago
- 3 min read
Running an appliance repair business in Texas comes with unique risks—working in customer homes, driving from job to job, handling expensive tools, and troubleshooting electrical or gas-powered appliances. Whether you operate in Houston, Dallas, Austin, San Antonio, Fort Worth, or El Paso, having the right insurance coverage protects your business from costly surprises.
Below is a complete guide to the essential insurance policies every Texas appliance repair business should consider.
This is the foundation of protection for any appliance repair contractor in Texas.
General liability protects you if:
You accidentally damage a customer’s appliance
You scratch their floors while moving a refrigerator
A customer trips over your tools
Someone claims bodily injury or property damage
Because you work inside homes and businesses across Texas, this is the #1 most important policy to have.
If you drive a work van or service truck in Houston, Dallas, Austin, San Antonio, Fort Worth, or El Paso, personal auto insurance will not cover you for business use.
Commercial auto covers:
Accidents while driving to job sites
Vehicle damage
Injuries to others
Tools stolen from the vehicle (with add-on coverage)
Appliance repair businesses often drive daily, so commercial auto is essential.
Your tools are your business. This policy protects:
Power tools
Diagnostic equipment
Hand tools
Replacement parts
Equipment kept in your vehicle
If tools are stolen from your truck in Dallas or damaged on a job in San Antonio, tool coverage reimburses you.
If you operate from an office, warehouse, or repair shop, you’ll need property insurance to cover:
Inventory
Workbenches
Office equipment
Building improvements
This is especially important for appliance repair shops with multiple technicians.
Texas does not require most businesses to carry workers' compensation—but it is strongly recommended.
This covers:
Medical costs for injured technicians
Lost wages
Disability benefits
Legal fees
Appliance repair involves lifting heavy appliances, electrical work, and working in tight spaces—injury risks are high.
Read More: Texas Workers' Compensation Information
This adds extra protection beyond your general liability or commercial auto limits.
If an accident results in large damages—for example, a fire caused by a repair gone wrong—a commercial umbrella policy provides additional coverage.
Covers claims of:
Faulty repair work
Misdiagnosis of a problem
Improper installation
Claims that your work caused additional damage
If a customer in Fort Worth says your repair made their refrigerator worse, this policy helps cover legal and settlement costs.
If you store customer appointments, payment information, or service history online, cyber liability protects you from:
Data breaches
Ransomware
Customer data theft
Even small appliance repair businesses are now targets for cybercrime—especially in major Texas cities like Houston and Dallas.
Why Texas Appliance Repair Businesses Choose One Hampton Insurance
As an independent insurance agency serving all of Texas, One Hampton Insurance works with multiple carriers—not just one—to find appliance repair businesses the best coverage at the best price.
We insure appliance repair companies in:
Houston
Dallas
Austin
San Antonio
Fort Worth
El Paso
When your business is protected, you operate with confidence—whether you’re installing a dishwasher or diagnosing a commercial freezer.
Conclusion
Appliance repair businesses in Texas face risks every day—from customer injuries to vehicle accidents to tool theft. The right insurance coverage keeps your business protected and ensures you can keep serving customers across Texas with confidence.
Whether you're a one-truck operation or a growing team in Houston, Dallas, Austin, San Antonio, Fort Worth, or El Paso, One Hampton Insurance can help you find affordable, customized coverage.
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